Terms of Service

As of / Last updated: July 2026 · Version 1.3

1. Scope

These Terms apply to all contracts between the provider and customers regarding the use of the web application "US Aktien Screener". The Service is an information and research tool that filters publicly available financial data on US stocks from the S&P 500 index.

2. Subject and Plans

Free-tier limits: In the Free plan, each screening shows 10 randomly selected stocks from the universe of approximately 503 S&P 500 stocks; exactly 1 screening per calendar month is permitted, and there is no watchlist and no export. A complete overview and unlimited screenings are only available in the paid plans.

All prices are final prices. The provider is a small business pursuant to § 6 (1) (27) UStG 1994 (Austria) and does not charge VAT. The payment provider Lemon Squeezy acts as Merchant of Record, issues the invoice, and remits any applicable VAT in the customer's country of destination. The final price is shown at checkout.

3. Conclusion of Contract

The contract is concluded upon completion of checkout at the payment provider (Lemon Squeezy). Confirmation by email. For the Free plan, the contract is concluded upon first registration (email-code login).

The contract language is German or English (depending on the customer's choice). The provider does not store the contract text; the customer is referred to the then-current Terms at checkout and may download and print them.

4. Founder Plan (Special Terms)

The Founder plan is a one-time payment of €199 and includes:

• 3 years of guaranteed access from the date of purchase
• Free renewal after the 3 years, as long as the provider operates the Service
• Discontinuation after 3 years: no refund, but 6 months notice by email. During this period, users may download their stored data (watchlists, exports).
• Early discontinuation within the 3-year guarantee: pro-rata refund per unused month — e.g. after 18 months of remaining guarantee: 50 % refund
• "Founder" is a marketing term — no guarantee beyond the above
• Force majeure (e.g. loss of data sources): no claim beyond pro-rata refund

5. Right of Withdrawal (for consumers)

5.1 Instructions on withdrawal

You have the right to withdraw from this contract within 14 days without giving any reason. The withdrawal period expires 14 days after the day of the conclusion of the contract.

To exercise your right of withdrawal, you must inform the provider by an unequivocal statement (e.g. a letter sent by post or an email to info@us-aktien-screener.com) of your decision. You may use the model withdrawal form (see Appendix A), but this is not mandatory. To meet the deadline, it is sufficient to send the communication before the withdrawal period expires.

5.2 Effects of withdrawal

The provider reimburses all payments without undue delay and not later than 14 days of receipt of the withdrawal notice, using the same means of payment you used for the initial transaction; you will not be charged any fees as a result. The reversal is processed via the payment provider (Lemon Squeezy).

5.3 Lapse of withdrawal right (digital content)

For contracts on the supply of digital content not delivered on a tangible medium, the right of withdrawal lapses pursuant to § 18 (1) (11) FAGG / Art. 16 (m) Directive 2011/83/EU if:

a) the provider has begun performance of the contract after the consumer's express consent that the contract is fulfilled before the withdrawal period expires, and
b) the consumer has confirmed acknowledgement that he/she thereby loses the right of withdrawal.

See § 6 (Immediate start).

6. Immediate Start (Waiver of Withdrawal Right)

When purchasing a paid plan, confirmation of the following clause is required as a mandatory checkbox before checkout:

"I expressly agree that the Service is provided immediately after conclusion of the contract. I acknowledge that with the beginning of contract performance, my right of withdrawal under § 18 (1) (11) FAGG / Art. 16 (m) Directive 2011/83/EU lapses."

7. Termination and Renewal

• Monthly: cancellable any time at end of month
• Yearly: cancellable any time at end of contract year
• Founder: no termination required

Cancellation is performed via the customer portal of the payment provider Lemon Squeezy (Merchant of Record). The personal cancellation link is included in every email from Lemon Squeezy (purchase confirmation plus every renewal confirmation) under "Manage your subscription" — there the customer can cancel at any time, update payment details and download invoices. Auto-renewal with 7-day email reminder. Price changes: 30 days notice, right to cancel at previous price. If the email cannot be found, the provider will assist at info@us-aktien-screener.com.

8. Disclaimer – not investment advice, no recommendation, no tip

The Service is a pure data and filter tool — not investment advice, not investment brokerage, not portfolio management, not a recommendation in the legal sense.

The provider is not a licensed financial service provider and does not carry out any activity requiring authorisation under § 1 (1) (19) WAG 2018 (Austrian Securities Supervision Act). All data provided — in particular metrics such as P/E ratio, EPS growth, z-score, analyst consensus, price targets, upside potential, and all other values and filter results ("hits") — are exclusively neutral, automatically processed information from publicly available third-party sources (see § 9).

What the data provided explicitly is NOT:

• no buy, sell, or hold recommendation
• no individual investment advice, tip, or signal
• no assessment of the user's personal financial situation, risk-bearing capacity, or investment objectives
• no tax, legal, or wealth advice
• no forecast and no guarantee of future price developments
• no assurance of the accuracy, completeness, or timeliness of the data

Past price developments, metrics, or analyst opinions are not a reliable indicator of future results. Stocks can — even with "good" metrics — lose significant value, become entirely worthless, or lead to losses that exceed the original investment (e.g. with leveraged products).

The user makes all investment decisions exclusively on their own responsibility and at their own risk. Before any investment decision, the provider strongly recommends consulting a qualified and independent financial, tax, and legal advisor and verifying the data against the original source (Alpha Vantage, Yahoo Finance, Wikipedia, etc.).

By using the Service, the user expressly confirms that they understand the data provided solely as non-binding information, that no advisory relationship exists with the provider, and that all decisions derived from it are their sole responsibility.

9. Data sources and data quality

The stock metrics come from Alpha Vantage (a commercially licensed financial-data provider, USA); the list of S&P 500 companies from Wikipedia. Yahoo Finance is used as a fallback price source if Alpha Vantage is temporarily unavailable. The data is refreshed several times a day (at least before the market opens and after it closes) and is not real-time. The provider gives no warranty for completeness, accuracy, timeliness, or availability. Users should verify against original sources.

10. Service availability

No specific availability guaranteed. Short-term outages do not entitle to refund. Outages > 7 consecutive days: Founder guarantee extended; Monthly/Yearly: billing period extended pro rata.

11. Discounts and Promotional Prices

Discounts and promotional prices advertised by the provider (e.g. launch discount, introductory price, first-time-customer discount) apply exclusively for the respective stated promotional period or condition (e.g. "first month", "first 30 days", "until [date]").

• After the promotional period expires, the regular prices according to the then-current price list on the website apply automatically.
• Retroactive claiming of expired discounts is excluded.
• Discounts are not combinable unless expressly stated otherwise.
• The provider reserves the right to end, change, or extend discount promotions at any time. Contracts already concluded at the discounted price remain unaffected.
• For auto-renewing subscriptions (Monthly, Yearly), the discount applies only for the period stated in the offer. Subsequent periods are billed at the regular price — the end of the discount is notified by email at least 7 days before it expires.

12. Account use and abuse

The access established by the customer is personal and non-transferable. The following actions are expressly prohibited:

• a) sharing login data (email or email code) with third parties for co-use;
• b) simultaneous use of the account by multiple persons;
• c) automated queries (scraping, bots, automated scripts) without the provider's express consent;
• d) resale, rental, or commercial transfer of the data or analyses provided by the Service to third parties;
• e) reverse engineering, decompilation, or attempts to reconstruct the Software's source code.

In the event of violations, the provider is entitled to block the account or terminate the contract without notice. In severe cases, the provider reserves the right to legal action and damages claims.

13. Limitation of liability

General principle: Unlimited liability only for life/body/health injury and for wilful/grossly negligent breach. For slightly negligent breach of essential contractual obligations, liability is limited to the foreseeable, contract-typical damage, at most the amount paid by the customer in the last 12 months (Founder: max. €199). For slightly negligent breach of non-essential obligations, liability is excluded.

Expressly excluded — to the extent permitted by law — is any liability for:

• Financial and investment losses of any kind that the user suffers as a result of an investment, speculation, buy, sell, or hold decision made on the basis of the data provided — including, but not limited to: price losses, total losses, losses from leveraged products, margin calls, forced liquidations;
• Lost profits and unrealised gains (e.g. because a stock did not appear in the filter or was wrongly marked as "just missed");
• Tax disadvantages of any kind arising from the user's investment decisions;
• Damages caused by incorrect, incomplete, outdated, or delayed data from third-party providers (Alpha Vantage, Yahoo Finance, Wikipedia, etc.) — the provider only passes this data through automatically and does not check it for substance;
• Damages caused by outages or technical failures of the external data sources, the payment provider (Lemon Squeezy), authentication (Supabase), or hosting (Streamlit Community Cloud, IONOS, etc.);
• Damages caused by incorrect operation, incorrect interpretation of the data, or incorrect application of the displayed metrics by the user;
• Indirect damages, consequential damages, damages of third parties, and immaterial damages;
• Damages from the loss of investment opportunities, from missing optimal entry or exit timing, or from delays in data updates.

Note on responsibility: The Service filters exclusively third-party data according to the criteria chosen by the user. The provider does not check the data for substantive accuracy, gives no investment recommendation (see § 8), and assumes no warranty for the financial consequences of the user's decisions. Responsibility for every investment decision lies — regardless of what the filter displays or hides — exclusively with the user. This limitation does not apply where mandatory statutory provisions (e.g. Austrian Product Liability Act, Consumer Protection Act KSchG) provide for further-reaching liability.

14. Support

Email support. Response time: 7 business days. No claim to individual investment, tax, or legal advice.

15. Data Protection

The Privacy Policy applies. Only email, payment status, and usage statistics are stored. No data sharing with third parties beyond payment and login processing.

16. Affiliate Links and Advertising

Within the Service, references to crypto exchanges on which the respective stock can be traded as a tokenised asset are displayed for some stocks. These references link to the corresponding exchange websites.

Several of these links are affiliate or referral links. Specifically:

• Bitget — referral link
• Hyperliquid — referral link
• Pionex — referral link
• Bitpanda — affiliate link
• Bybit — referral link
• Coinbase — not an affiliate link (regular direct link)

If a user registers with the respective exchange via one of these links, the provider (Robert Thalhammer) receives a commission from the exchange operator. This commission is paid entirely by the exchange and does not result in any additional cost for the user.

Transparency and independence: The selection of displayed exchanges is based exclusively on the technical availability of the respective stock as a tokenised asset — not on the size of the commission. Affiliate agreements do not influence which stocks appear as hits in the screening.

Not an endorsement: Linking does not constitute an endorsement of the respective provider. The user is responsible for evaluating risk, tax, and regulatory aspects of the exchange before opening an account.

Disclosure is provided pursuant to § 6 ECG (Austrian E-Commerce Act — "Recognisability of commercial communication") and § 26 MedienG.

17. Trademark and Copyright

"S&P 500" is a registered trademark of S&P Dow Jones Indices LLC. The reference is purely descriptive. The Service is not authorised, sponsored, or supported by S&P Dow Jones. All content is protected by copyright.

18. Changes to the Terms

Changes communicated at least 4 weeks before they take effect by email. Customer's right to object — contract continues on previous terms until end of period. Material adverse changes: special right of termination.

19. Final Provisions

Severability: Should any provision of these Terms be wholly or partly invalid or unenforceable, the validity of the remaining provisions shall not be affected. The invalid provision shall be replaced by a valid provision that comes closest to the economic purpose of the invalid provision.

Applicable law: Austrian law, excluding the UN Convention on the International Sale of Goods (CISG). EU consumers: law of country of residence remains unaffected to the mandatory extent.
Jurisdiction: Wiener Neustadt, Austria, where legally permitted.
Dispute Resolution: The provider is neither obliged nor willing to participate in dispute resolution proceedings before a consumer arbitration board.

Provider

Robert Thalhammer · Sole proprietor (small business under § 6 (1) (27) UStG 1994)
Grabengasse 13/3/2 · 2630 Ternitz · Lower Austria, Austria
Email: info@us-aktien-screener.com
Website: https://us-aktien-screener.com

Appendix A: Model Withdrawal Form (FAGG)

If you wish to withdraw from the contract, please fill in this form and return it by email.

To: Robert Thalhammer, Grabengasse 13/3/2, 2630 Ternitz, Austria · Email: info@us-aktien-screener.com

I/We hereby give notice that I/we withdraw from my/our contract for the use of the service "US Aktien Screener" (plan: __________)

Ordered on: __________
Name of consumer(s): __________
Address: __________
Date: __________
Signature (if on paper): __________

As of / Last updated: July 2026 · Version 1.3